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Axos Financial (AX) Financials

Axos Financial logo
$69.57 -1.08 (-1.53%)
Closing price 05/30/2025 03:59 PM Eastern
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$69.53 -0.04 (-0.06%)
As of 05/30/2025 04:47 PM Eastern
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Annual Income Statements for Axos Financial

Annual Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021 6/30/2020 6/30/2019 6/30/2018 6/30/2017 6/30/2016 6/30/2015
Net Income / (Loss) Attributable to Common Shareholders		 450 307 241 216 183 155 152 134 119 82
Consolidated Net Income / (Loss)		 450 307 241 216 183 155 152 135 119 83
Net Income / (Loss) Continuing Operations		 450 307 241 216 183 155 152 135 119 83
Total Pre-Tax Income 		635 432 340 306 263 213 240 233 205 141
Total Revenue		 1,184 904 721 644 581 491 439 381 327 230
Net Interest Income / (Expense)		 961 783 607 539 478 409 368 313 261 199
Total Interest Income		 1,656 1,157 660 618 623 565 475 387 318 244
Loans and Leases Interest Income		 1,500 1,049 627 584 583 525 447 359 291 220
Investment Securities Interest Income		 156 108 33 33 40 40 28 28 27 24
Total Interest Expense		 694 374 53 79 145 156 107 74 57 45
Deposits Interest Expense		 671 339 34 61 127 117 80 56 43 35
Long-Term Debt Interest Expense		 2.21 3.67 1.12 1.50 0.68 0.75 0.00 0.00 - -
Federal Funds Purchased and Securities Sold Interest Expense		 3.09 13 4.63 4.67 12 33 23 12 11 8.91
Other Interest Expense		 18 18 13 12 5.65 5.62 3.88 5.16 2.85 1.78
Total Non-Interest Income		 223 120 113 105 103 83 71 68 66 31
Other Service Charges		 99 92 84 105 96 77 65 61 50 27
Net Realized & Unrealized Capital Gains on Investments		 92 0.00 0.00 - 6.87 6.05 5.56 7.19 16 3.78
Investment Banking Income		 31 28 29 0.00 0.00 - - - - -
Provision for Credit Losses		 33 24 24 24 42 27 26 11 9.70 11
Total Non-Interest Expense		 516 448 357 315 276 251 174 138 113 77
Salaries and Employee Benefits		 251 204 167 153 144 127 101 82 67 44
Net Occupancy & Equipment Expense		 86 76 64 54 43 33 23 19 15 9.72
Marketing Expense		 43 37 14 14 15 15 16 9.37 6.87 6.06
Other Operating Expenses		 109 107 87 69 50 60 25 21 20 15
Depreciation Expense		 27 23 25 24 24 16 8.57 6.09 4.80 3.27
Income Tax Expense		 185 125 99 90 79 58 87 98 86 58
Basic Earnings per Share		 $7.82 $5.15 $4.04 $3.64 $3.01 $2.50 $2.41 $2.11 $1.87 $1.35
Weighted Average Basic Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 63.06M 63.36M 62.91M 59.94M
Diluted Earnings per Share		 $7.66 $5.07 $3.97 $3.56 $2.98 $2.48 $2.37 $2.10 $1.87 $1.34
Weighted Average Diluted Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 63.06M 63.36M 62.91M 59.94M
Weighted Average Basic & Diluted Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 63.06M 63.36M 62.91M 59.94M

Quarterly Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 105 105 112 105 111 152 83 87 80 82 58
Consolidated Net Income / (Loss)		 105 105 112 105 111 152 83 87 80 82 58
Net Income / (Loss) Continuing Operations		 105 105 112 105 111 152 83 87 80 82 58
Total Pre-Tax Income 		148 150 159 144 156 217 118 117 115 117 83
Total Revenue		 309 308 321 291 295 353 246 236 231 228 208
Net Interest Income / (Expense)		 275 280 292 260 262 229 211 204 199 200 180
Total Interest Income		 433 456 484 453 444 395 364 346 307 280 224
Loans and Leases Interest Income		 395 411 438 409 405 358 327 305 280 256 208
Investment Securities Interest Income		 38 45 46 44 38 37 37 41 27 24 15
Total Interest Expense		 157 176 192 193 182 166 153 143 108 80 43
Deposits Interest Expense		 153 171 187 188 177 160 146 137 98 71 33
Long-Term Debt Interest Expense		 0.33 0.48 0.54 0.38 0.38 1.01 0.45 0.36 1.31 1.07 0.94
Federal Funds Purchased and Securities Sold Interest Expense		 0.31 0.51 0.53 1.29 0.74 0.53 0.53 0.52 4.45 2.50 5.16
Other Interest Expense		 3.93 4.12 3.88 4.15 4.11 4.34 5.71 4.61 4.15 4.76 4.70
Total Non-Interest Income		 33 28 29 31 33 124 35 33 32 28 27
Other Service Charges		 25 20 21 23 25 24 26 25 25 21 20
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.00 - - 0.00 92 - - 0.00 0.00 -
Investment Banking Income		 8.12 7.98 7.95 7.65 8.11 7.36 8.22 7.50 6.88 6.98 6.96
Provision for Credit Losses		 15 12 14 6.00 6.00 14 7.00 7.00 5.50 3.00 8.75
Total Non-Interest Expense		 146 145 147 141 133 122 121 112 111 108 116
Salaries and Employee Benefits		 75 74 74 69 67 59 56 55 53 50 47
Net Occupancy & Equipment Expense		 26 24 23 21 22 22 20 20 20 18 18
Marketing Expense		 11 11 14 12 10 9.79 10 8.10 12 11 6.37
Other Operating Expenses		 27 30 28 31 26 24 29 24 21 23 39
Depreciation Expense		 6.85 7.03 7.45 7.50 7.22 6.49 5.88 5.67 5.67 5.96 6.09
Income Tax Expense		 43 46 47 40 45 66 36 30 35 36 24
Basic Earnings per Share		 $1.84 $1.83 $1.97 $1.83 $1.94 $2.65 $1.40 $1.48 $1.33 $1.36 $0.98
Weighted Average Basic Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M
Diluted Earnings per Share		 $1.81 $1.80 $1.93 $1.75 $1.91 $2.62 $1.38 $1.43 $1.32 $1.35 $0.97
Weighted Average Diluted Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M
Weighted Average Basic & Diluted Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M

Annual Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021 6/30/2020 6/30/2019 6/30/2018 6/30/2017 6/30/2016 6/30/2015
Net Change in Cash & Equivalents		 -196 807 537 -913 1,093 235 -21 157 264 67
Net Cash From Operating Activities		 305 197 217 413 284 204 168 198 167 116
Net Cash From Continuing Operating Activities		 305 197 217 413 284 204 168 198 167 116
Net Income / (Loss) Continuing Operations		 450 307 241 216 183 155 152 135 119 83
Consolidated Net Income / (Loss)		 450 307 241 216 183 155 152 135 119 83
Provision For Loan Losses		 33 24 24 24 42 43 26 11 9.70 11
Depreciation Expense		 27 23 25 24 24 16 8.57 6.09 4.80 3.27
Amortization Expense		 -58 -1.62 3.93 4.75 -24 -30 -30 -7.42 -4.25 -5.54
Non-Cash Adjustments to Reconcile Net Income		 -24 -12 26 40 4.66 16 30 49 43 38
Changes in Operating Assets and Liabilities, net		 -122 -144 -103 104 54 4.13 -19 4.66 -5.45 -14
Net Cash From Investing Activities		 -2,589 -2,399 -2,783 -867 -1,348 -932 -1,026 -789 -1,538 -1,374
Net Cash From Continuing Investing Activities		 -2,589 -2,399 -2,783 -867 -1,348 -932 -1,026 -789 -1,538 -1,374
Purchase of Investment Securities		 -2,741 -2,587 -3,084 -277 -545 -442 -146 -709 -500 -108
Sale and/or Maturity of Investments		 152 188 301 5,171 5,771 6,282 5,086 3,989 2,545 1,977
Net Cash From Financing Activities		 2,087 3,010 3,103 -459 2,157 962 837 747 1,634 1,325
Net Cash From Continuing Financing Activities		 2,087 3,010 3,103 -459 2,157 962 837 747 1,634 1,325
Net Change in Deposits		 2,236 3,177 3,131 -521 2,354 998 1,086 855 1,592 1,410
Issuance of Debt		 0.00 0.00 39 175 -9.05 7.40 -173 0.00 60 734
Repayment of Debt		 -36 -112 -52 -80 -140 23 -30 -102 -35 -901
Repurchase of Common Equity		 -96 -49 0.00 -17 -39 -56 -35 0.00 0.00 -
Other Financing Activities, Net		 -16 -6.14 -14 -11 -7.46 -9.92 -9.95 -6.10 -3.46 6.31
Cash Interest Paid		 699 368 50 78 145 153 106 74 56 46
Cash Income Taxes Paid		 201 131 100 93 80 64 80 102 89 68

Quarterly Cash Flow Statements for Axos Financial

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -416 -130 618 -160 582 -650 32 -122 552 254 123
Net Cash From Operating Activities		 74 163 71 44 115 119 34 77 -58 106 71
Net Cash From Continuing Operating Activities		 74 163 71 44 115 119 34 77 -58 106 71
Net Income / (Loss) Continuing Operations		 105 105 112 105 111 152 83 87 80 82 58
Consolidated Net Income / (Loss)		 105 105 112 105 111 152 83 87 80 82 58
Provision For Loan Losses		 15 12 14 6.00 6.00 14 7.00 7.00 5.50 3.00 8.75
Depreciation Expense		 6.85 7.03 7.45 7.50 7.22 6.49 5.88 5.67 5.67 5.96 6.09
Amortization Expense		 -24 -21 -37 -20 -26 -8.91 -3.10 -0.99 -1.15 -0.18 0.71
Non-Cash Adjustments to Reconcile Net Income		 9.24 -14 14 59 -30 -72 20 -18 -13 23 -4.34
Changes in Operating Assets and Liabilities, net		 -38 74 -40 -114 47 28 -78 -3.40 -134 -7.50 1.20
Net Cash From Investing Activities		 -678 -269 -46 -434 -419 -1,236 -506 -591 -397 -261 -1,150
Net Cash From Continuing Investing Activities		 -678 -269 -46 -434 -419 -1,236 -506 -591 -397 -261 -1,150
Purchase of Investment Securities		 -704 -509 -97 -1,865 -8.44 -1,244 -509 -2,422 -70 -27 -68
Sale and/or Maturity of Investments		 27 240 52 -6,609 2,330 8.65 2.23 -4,404 1,409 1,779 1,404
Net Cash From Financing Activities		 188 -24 593 230 887 467 504 392 1,006 409 1,203
Net Cash From Continuing Financing Activities		 188 -24 593 230 887 467 504 392 1,006 409 1,203
Net Change in Deposits		 202 -38 614 256 900 638 443 384 1,048 514 1,230
Issuance of Debt		 19 45 0.00 27 -6.00 -107 86 112 - -92 -20
Repurchase of Common Equity		 -26 - 0.00 -13 -0.60 -64 -18 -17 -32 - 0.00
Other Financing Activities, Net		 -6.33 -0.29 -9.48 -7.81 -2.13 -0.17 -6.08 -2.56 -0.66 -0.04 -2.89
Cash Interest Paid		 157 175 192 197 179 171 152 140 106 79 42
Cash Income Taxes Paid		 52 49 40 57 60 32 53 23 35 36 37

Annual Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021 6/30/2020 6/30/2019 6/30/2018 6/30/2017 6/30/2016 6/30/2015
Total Assets		 22,855 20,348 17,401 14,266 13,852 11,220 9,540 8,502 7,599 5,824
Cash and Due from Banks		 1,980 2,233 1,203 716 1,756 511 623 628 487 223
Restricted Cash		 206 149 372 322 194 346 0.00 - - -
Trading Account Securities		 209 367 603 808 410 372 180 273 472 397
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 16 24 16 42 97 9,420 8,470 7,400 6,409 5,032
Intangible Assets		 142 152 156 116 125 135 68 0.00 - -
Other Assets		 20,302 17,423 15,051 12,261 11,269 436 199 169 217 164
Total Liabilities & Shareholders' Equity		 22,855 20,348 17,401 14,266 13,852 11,220 9,540 8,502 7,599 5,824
Total Liabilities		 20,565 18,431 15,758 12,865 12,621 10,147 8,579 7,667 6,916 5,290
Non-Interest Bearing Deposits		 2,976 2,898 5,034 2,474 1,937 1,442 1,015 849 589 309
Interest Bearing Deposits		 16,384 14,225 8,912 8,341 9,400 7,541 6,970 6,051 5,455 4,143
Short-Term Debt		 301 445 512 535 348 239 0.00 20 35 35
Long-Term Debt		 490 612 1,037 1,304 734 826 512 694 783 758
Other Long-Term Liabilities		 415 251 263 210 203 100 82 52 52 44
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,291 1,917 1,643 1,401 1,231 1,073 961 834 684 534
Total Preferred & Common Equity		 2,291 1,917 1,643 1,401 1,231 1,073 961 834 684 534
Total Common Equity		 2,291 1,917 1,643 1,401 1,231 1,073 961 834 684 528
Common Stock		 511 481 454 433 413 391 367 347 332 297
Retained Earnings		 2,186 1,736 1,428 1,188 1,009 826 671 519 385 266
Treasury Stock		 -403 -292 -237 -223 -195 -149 -82 -37 -31 -25
Accumulated Other Comprehensive Income / (Loss)		 -2.47 -6.61 -2.93 2.51 -0.94 0.02 -0.61 0.49 -7.30 -9.40

Quarterly Balance Sheets for Axos Financial

This table presents Axos Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2025 Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023
Period end date 3/31/2025 12/31/2024 9/30/2024 3/31/2024 12/31/2023 9/30/2023 3/31/2023 12/31/2022 9/30/2022
Total Assets		 23,981 23,709 23,569 22,642 21,624 20,825 19,782 18,741 18,407
Cash and Due from Banks		 2,001 2,438 2,571 2,130 1,569 2,162 2,324 1,756 1,369
Restricted Cash		 256 235 233 216 195 252 180 197 329
Trading Account Securities		 172 213 223 314 385 97 367 307 345
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 16 25 15 16 13 8.01 8.22 4.75 20
Intangible Assets		 136 138 139 144 147 150 155 158 160
Other Assets		 21,400 20,660 20,389 19,822 19,314 18,157 16,748 16,319 16,183
Total Liabilities & Shareholders' Equity		 23,981 23,709 23,569 22,642 21,624 20,825 19,782 18,741 18,407
Total Liabilities		 21,377 21,187 21,163 20,446 19,546 18,849 17,938 16,953 16,706
Non-Interest Bearing Deposits		 2,970 2,990 3,056 2,759 2,834 2,875 3,173 3,442 4,627
Interest Bearing Deposits		 17,167 16,945 16,918 16,345 15,370 14,690 13,566 12,248 10,550
Short-Term Debt		 314 310 316 387 369 342 406 421 501
Long-Term Debt		 549 554 499 540 587 654 539 590 745
Other Long-Term Liabilities		 378 389 375 415 386 287 254 252 284
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,604 2,522 2,406 2,196 2,078 1,976 1,844 1,788 1,701
Total Preferred & Common Equity		 2,604 2,522 2,406 2,196 2,078 1,976 1,844 1,788 1,701
Total Common Equity		 2,604 2,522 2,406 2,196 2,078 1,976 1,844 1,788 1,701
Common Stock		 541 530 522 503 494 487 474 466 460
Retained Earnings		 2,508 2,403 2,298 2,081 1,970 1,818 1,648 1,568 1,487
Treasury Stock		 -446 -413 -413 -385 -382 -323 -272 -240 -240
Accumulated Other Comprehensive Income / (Loss)		 1.11 3.01 -0.77 -3.06 -3.92 -6.39 -5.57 -6.95 -5.77

Annual Metrics And Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021 6/30/2020 6/30/2019 6/30/2018 6/30/2017 6/30/2016 6/30/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 31.04% 25.41% 11.88% 10.92% 18.16% 11.82% 15.23% 16.50% 42.61% 43.86%
EBITDA Growth		 33.25% 23.07% 10.12% 27.41% 31.94% -8.89% -5.57% 12.62% 48.24% 60.86%
EBIT Growth		 47.19% 27.00% 11.19% 16.42% 23.41% -11.22% 3.01% 13.57% 45.46% 49.42%
NOPAT Growth		 46.50% 27.60% 11.59% 17.59% 18.25% 1.78% 13.11% 12.95% 44.28% 47.76%
Net Income Growth		 46.50% 27.60% 11.59% 17.59% 18.25% 1.78% 13.11% 12.95% 44.28% 47.76%
EPS Growth		 51.08% 27.71% 11.52% 19.46% 20.16% 4.64% 12.86% 12.30% 39.55% 39.58%
Operating Cash Flow Growth		 55.30% -9.19% -47.50% 45.22% 38.99% 21.74% -15.41% 18.93% 43.76% 444.59%
Free Cash Flow Firm Growth		 -34.69% 81.46% 140.62% -8,798.59% 101.60% -322.76% 161.37% 257.52% -164.00% 128.87%
Invested Capital Growth		 3.61% -6.82% -1.49% 40.11% 8.20% 45.20% -4.95% 3.14% 13.19% -0.32%
Revenue Q/Q Growth		 4.82% 5.11% 4.96% 1.98% 4.00% 4.16% 2.80% 1.57% 6.71% 9.73%
EBITDA Q/Q Growth		 1.66% 8.74% 1.93% 1.38% 6.62% 4.19% -0.48% 0.76% 5.12% 13.71%
EBIT Q/Q Growth		 4.50% 8.90% 1.91% 2.49% 5.04% 2.34% -2.21% 2.01% 4.79% 11.67%
NOPAT Q/Q Growth		 4.05% 10.61% 1.54% 4.33% 2.61% 2.32% 3.09% 2.14% 4.68% 11.29%
Net Income Q/Q Growth		 4.05% 10.61% 1.54% 4.33% 2.61% 2.32% 3.09% 2.14% 4.68% 11.29%
EPS Q/Q Growth		 4.36% 10.22% 2.06% 4.09% 3.11% 2.90% 2.60% 2.44% 112.50% 2,133.33%
Operating Cash Flow Q/Q Growth		 -9.93% -26.16% 27.92% 10.06% -5.22% 16.05% 15.41% -15.57% 34.38% 172.83%
Free Cash Flow Firm Q/Q Growth		 249.77% 120.89% -91.12% -85.01% 107.95% -953.15% 320.94% 175.29% 84.94% 277.83%
Invested Capital Q/Q Growth		 -1.35% 6.64% 0.00% 7.38% -4.67% -0.32% -24.28% -16.32% -6.29% 18.54%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 51.03% 50.19% 51.14% 51.96% 45.23% 40.51% 49.72% 60.67% 62.76% 60.38%
EBIT Margin		 53.67% 47.78% 47.18% 47.48% 45.23% 43.31% 54.55% 61.02% 62.59% 61.37%
Profit (Net Income) Margin		 38.00% 33.99% 33.41% 33.49% 31.59% 31.57% 34.68% 35.33% 36.44% 36.02%
Tax Burden Percent		 70.81% 71.15% 70.81% 70.55% 69.85% 72.90% 63.58% 57.90% 58.22% 58.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.19% 28.85% 29.19% 29.45% 30.15% 27.10% 36.42% 42.10% 41.78% 41.30%
Return on Invested Capital (ROIC)		 14.86% 9.96% 7.49% 7.77% 8.24% 8.60% 10.09% 8.83% 8.44% 6.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.86% 9.96% 7.49% 7.77% 8.24% 8.60% 10.09% 8.83% 8.44% 6.22%
Return on Net Nonoperating Assets (RNNOA)		 6.53% 7.29% 8.33% 8.62% 7.68% 6.66% 6.89% 8.92% 11.17% 12.06%
Return on Equity (ROE)		 21.39% 17.26% 15.82% 16.39% 15.92% 15.26% 16.98% 17.75% 19.60% 18.29%
Cash Return on Invested Capital (CROIC)		 11.32% 17.02% 8.99% -25.64% 0.37% -28.27% 15.17% 5.75% -3.93% 6.54%
Operating Return on Assets (OROA)		 2.94% 2.29% 2.15% 2.17% 2.10% 2.05% 2.66% 2.89% 3.05% 2.75%
Return on Assets (ROA)		 2.08% 1.63% 1.52% 1.53% 1.46% 1.49% 1.69% 1.67% 1.78% 1.62%
Return on Common Equity (ROCE)		 21.39% 17.26% 15.82% 16.39% 15.92% 15.26% 16.98% 17.75% 19.52% 18.08%
Return on Equity Simple (ROE_SIMPLE)		 19.65% 16.02% 14.65% 15.40% 14.90% 14.46% 15.87% 16.15% 17.45% 15.50%
Net Operating Profit after Tax (NOPAT)		 450 307 241 216 183 155 152 135 119 83
NOPAT Margin		 38.00% 33.99% 33.41% 33.49% 31.59% 31.57% 34.68% 35.33% 36.44% 36.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 32.07% 35.15% 33.99% 34.30% 34.72% 35.59% 31.85% 28.88% 26.95% 25.97%
Operating Expenses to Revenue		 43.59% 49.54% 49.52% 48.84% 47.50% 51.12% 39.58% 36.08% 34.45% 33.75%
Earnings before Interest and Taxes (EBIT)		 635 432 340 306 263 213 240 233 205 141
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 604 454 368 335 263 199 218 231 205 139
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.42 1.22 1.30 1.96 1.07 1.56 2.66 1.80 1.63 3.07
Price to Tangible Book Value (P/TBV)		 1.52 1.32 1.44 2.14 1.19 1.78 2.87 1.80 1.63 3.07
Price to Revenue (P/Rev)		 2.75 2.58 2.97 4.27 2.27 3.40 5.82 3.94 3.41 7.07
Price to Earnings (P/E)		 7.23 7.59 8.89 12.75 7.19 10.79 16.82 11.19 9.39 19.70
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 13.82% 13.18% 11.25% 7.84% 13.90% 9.27% 5.94% 8.94% 10.65% 5.08%
Enterprise Value to Invested Capital (EV/IC)		 0.60 0.34 0.66 1.10 0.19 0.88 1.66 1.02 0.96 1.66
Enterprise Value to Revenue (EV/Rev)		 1.57 1.11 2.93 5.51 0.77 3.82 5.57 4.13 4.42 9.58
Enterprise Value to EBITDA (EV/EBITDA)		 3.08 2.22 5.73 10.61 1.71 9.43 11.20 6.81 7.05 15.86
Enterprise Value to EBIT (EV/EBIT)		 2.93 2.33 6.22 11.61 1.71 8.82 10.21 6.77 7.07 15.61
Enterprise Value to NOPAT (EV/NOPAT)		 4.14 3.28 8.78 16.46 2.45 12.10 16.06 11.69 12.14 26.59
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.09 5.12 9.75 8.60 1.58 9.18 14.58 7.93 8.68 18.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.43 1.92 7.31 0.00 54.81 0.00 10.69 17.97 0.00 25.29
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.35 0.55 0.94 1.31 0.88 0.99 0.53 0.86 1.20 1.49
Long-Term Debt to Equity		 0.21 0.32 0.63 0.93 0.60 0.77 0.53 0.83 1.15 1.42
Financial Leverage		 0.44 0.73 1.11 1.11 0.93 0.78 0.68 1.01 1.32 1.94
Leverage Ratio		 10.27 10.60 10.40 10.68 10.88 10.21 10.05 10.61 11.03 11.31
Compound Leverage Factor		 10.27 10.60 10.40 10.68 10.88 10.21 10.05 10.61 11.03 11.31
Debt to Total Capital		 25.67% 35.54% 48.52% 56.76% 46.78% 49.80% 34.75% 46.13% 54.48% 59.78%
Short-Term Debt to Total Capital		 9.77% 14.98% 16.03% 16.52% 15.03% 11.16% 0.00% 1.29% 2.33% 2.64%
Long-Term Debt to Total Capital		 15.90% 20.56% 32.49% 40.24% 31.75% 38.63% 34.75% 44.84% 52.15% 57.15%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.38%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 74.33% 64.46% 51.48% 43.24% 53.22% 50.20% 65.25% 53.87% 45.52% 39.83%
Debt to EBITDA		 1.31 2.33 4.20 5.50 4.12 5.35 2.34 3.09 3.98 5.72
Net Debt to EBITDA		 -2.31 -2.92 -0.07 2.40 -3.31 1.04 -0.51 0.31 1.61 4.11
Long-Term Debt to EBITDA		 0.81 1.35 2.81 3.90 2.80 4.15 2.34 3.00 3.81 5.47
Debt to NOPAT		 1.76 3.44 6.43 8.53 5.90 6.86 3.36 5.30 6.86 9.59
Net Debt to NOPAT		 -3.10 -4.31 -0.11 3.72 -4.74 1.33 -0.73 0.53 2.78 6.90
Long-Term Debt to NOPAT		 1.09 1.99 4.31 6.04 4.00 5.32 3.36 5.15 6.56 9.17
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.42% 1.12%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 343 525 289 -712 8.18 -510 229 88 -56 87
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.49 1.40 5.50 -9.00 0.06 -3.26 2.15 1.18 -0.98 1.91
Operating Cash Flow to Interest Expense		 0.44 0.53 4.12 5.21 1.96 1.31 1.58 2.68 2.94 2.56
Operating Cash Flow Less CapEx to Interest Expense		 0.44 0.53 4.12 5.21 1.96 1.31 1.58 2.68 2.94 2.56
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.88 29.04 30.09
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,082 2,974 3,192 3,240 2,313 2,137 1,472 1,549 1,502 1,327
Invested Capital Turnover		 0.39 0.29 0.22 0.23 0.26 0.27 0.29 0.25 0.23 0.17
Increase / (Decrease) in Invested Capital		 107 -218 -48 928 175 665 -77 47 175 -4.25
Enterprise Value (EV)		 1,861 1,006 2,113 3,550 449 1,877 2,448 1,575 1,448 2,198
Market Capitalization		 3,256 2,331 2,139 2,748 1,317 1,670 2,559 1,504 1,117 1,623
Book Value per Share		 $40.21 $32.43 $27.54 $23.65 $20.63 $17.51 $15.36 $13.16 $10.84 $34.42
Tangible Book Value per Share		 $37.72 $29.86 $24.92 $21.69 $18.53 $15.31 $14.27 $13.16 $10.84 $34.42
Total Capital		 3,082 2,974 3,192 3,240 2,313 2,137 1,472 1,549 1,502 1,327
Total Debt		 791 1,057 1,549 1,839 1,082 1,064 512 714 818 793
Total Long-Term Debt		 490 612 1,037 1,304 734 826 512 694 783 758
Net Debt		 -1,395 -1,325 -26 801 -869 207 -111 71 331 570
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 791 1,057 1,549 1,839 1,082 1,064 512 714 818 793
Total Depreciation and Amortization (D&A)		 -31 22 29 29 -0.01 -14 -21 -1.32 0.55 -2.27
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $7.82 $5.15 $4.04 $3.64 $3.01 $2.50 $2.41 $2.07 $1.85 $5.39
Adjusted Weighted Average Basic Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 62.78M 63.61M 63.27M 15.64M
Adjusted Diluted Earnings per Share		 $7.66 $5.07 $3.97 $3.56 $2.98 $2.48 $2.37 $2.07 $1.85 $5.37
Adjusted Weighted Average Diluted Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 62.78M 63.61M 63.27M 15.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 56.89M 59.98M 59.97M 59.36M 59.51M 61.24M 62.78M 63.61M 63.27M 15.64M
Normalized Net Operating Profit after Tax (NOPAT)		 450 307 241 216 183 155 152 135 119 83
Normalized NOPAT Margin		 38.00% 33.99% 33.41% 33.49% 31.59% 31.57% 34.68% 35.33% 36.44% 36.02%
Pre Tax Income Margin		 53.67% 47.78% 47.18% 47.48% 45.23% 43.31% 54.55% 61.02% 62.59% 61.37%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.92 1.15 6.47 3.86 1.81 1.36 2.25 3.14 3.61 3.10
NOPAT to Interest Expense		 0.65 0.82 4.58 2.73 1.26 0.99 1.43 1.82 2.10 1.82
EBIT Less CapEx to Interest Expense		 0.92 1.15 6.47 3.86 1.81 1.36 2.25 3.14 3.61 3.10
NOPAT Less CapEx to Interest Expense		 0.65 0.82 4.58 2.73 1.26 0.99 1.43 1.82 2.10 1.82
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.05% 0.21% 0.15% 0.20% 0.23% 0.26% 0.37%
Augmented Payout Ratio		 21.40% 15.94% 0.00% 7.82% 21.39% 36.53% 23.29% 0.23% 0.26% 0.37%

Quarterly Metrics And Ratios for Axos Financial

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric Q3 2025 Q2 2025 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.77% -12.71% 30.53% 23.03% 27.48% 54.55% 18.29% 22.83% 29.68% 29.42% 19.81%
EBITDA Growth		 -4.63% -36.74% 6.91% 8.10% 14.81% 74.79% 34.90% 43.85% 26.23% 29.94% -1.36%
EBIT Growth		 -4.80% -30.85% 34.73% 23.41% 35.63% 85.47% 42.62% 43.18% 31.83% 35.76% -2.43%
NOPAT Growth		 -4.98% -31.02% 35.93% 20.05% 38.66% 86.10% 41.50% 50.88% 29.16% 34.16% -2.99%
Net Income Growth		 -4.98% -31.02% 35.93% 20.05% 38.66% 86.10% 41.50% 50.88% 29.16% 34.16% -2.99%
EPS Growth		 -5.24% -31.30% 39.86% 22.38% 44.70% 94.07% 42.27% 48.96% 29.41% 35.00% -2.02%
Operating Cash Flow Growth		 -36.36% 37.08% 107.06% -43.50% 298.20% 11.57% -51.73% -47.36% -140.73% 87.50% 154.83%
Free Cash Flow Firm Growth		 -6.33% -196.59% -338.98% -100.81% 91.74% 96.93% -74.40% 186.72% -187.99% -197.49% 151.58%
Invested Capital Growth		 10.99% 11.60% 8.37% 3.61% 11.99% 8.40% 0.87% -6.82% 0.00% 0.00% -5.29%
Revenue Q/Q Growth		 0.31% -3.98% 10.22% -1.30% -16.43% 43.59% 3.89% 2.26% 1.31% 9.90% 7.88%
EBITDA Q/Q Growth		 -4.03% 5.19% -1.71% -3.89% -36.34% 77.77% -0.61% 2.08% -3.08% 37.19% 5.98%
EBIT Q/Q Growth		 -1.50% -5.57% 10.25% -7.17% -28.45% 83.99% 0.99% 2.02% -2.16% 41.48% 1.38%
NOPAT Q/Q Growth		 0.50% -6.81% 7.12% -5.28% -27.05% 83.64% -5.39% 9.40% -2.09% 39.63% 0.88%
Net Income Q/Q Growth		 0.50% -6.81% 7.12% -5.28% -27.05% 83.64% -5.39% 9.40% -2.09% 39.63% 0.88%
EPS Q/Q Growth		 0.56% -6.74% 10.29% -8.38% -27.10% 89.86% -3.50% 8.33% -2.22% 39.18% 1.04%
Operating Cash Flow Q/Q Growth		 -54.66% 129.57% 61.74% -61.81% 1.23% 246.76% -55.86% 233.94% -154.42% 50.03% -51.87%
Free Cash Flow Firm Q/Q Growth		 3.71% -81.08% -5,447.68% 98.90% -168.59% -245.91% -81.27% 111.25% 0.29% -1,318.05% 109.78%
Invested Capital Q/Q Growth		 2.40% 5.10% 4.53% -1.35% 2.97% 2.07% -0.07% 6.64% -0.34% -5.03% -7.68%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.26% 44.17% 40.32% 45.21% 46.43% 60.95% 49.23% 51.46% 51.55% 53.89% 43.17%
EBIT Margin		 47.95% 48.82% 49.65% 49.63% 52.77% 61.63% 48.10% 49.48% 49.60% 51.35% 39.89%
Profit (Net Income) Margin		 34.07% 34.00% 35.03% 36.05% 37.56% 43.03% 33.64% 36.94% 34.53% 35.73% 28.12%
Tax Burden Percent		 71.05% 69.64% 70.57% 72.63% 71.18% 69.81% 69.95% 74.66% 69.63% 69.58% 70.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.95% 30.36% 29.43% 27.37% 28.82% 30.19% 30.05% 25.34% 30.37% 30.42% 29.50%
Return on Invested Capital (ROIC)		 12.70% 12.86% 14.24% 14.10% 14.35% 15.73% 10.70% 10.83% 21.29% 20.60% 7.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.70% 12.86% 14.24% 14.10% 14.35% 15.73% 10.70% 10.83% 21.29% 20.60% 7.01%
Return on Net Nonoperating Assets (RNNOA)		 4.74% 5.09% 5.89% 6.19% 6.65% 8.00% 6.53% 7.93% 10.91% 11.65% 5.91%
Return on Equity (ROE)		 17.43% 17.95% 20.13% 20.29% 21.00% 23.73% 17.23% 18.75% 32.20% 32.25% 12.92%
Cash Return on Invested Capital (CROIC)		 2.55% 2.52% 7.46% 11.32% 3.31% 5.71% 10.33% 17.02% -180.09% -181.44% 13.32%
Operating Return on Assets (OROA)		 2.53% 2.62% 2.82% 2.72% 2.81% 3.26% 2.31% 2.37% 2.16% 2.21% 1.75%
Return on Assets (ROA)		 1.79% 1.82% 1.99% 1.98% 2.00% 2.27% 1.61% 1.77% 1.50% 1.54% 1.23%
Return on Common Equity (ROCE)		 17.43% 17.95% 20.13% 20.29% 21.00% 23.73% 17.23% 18.75% 32.20% 32.25% 12.92%
Return on Equity Simple (ROE_SIMPLE)		 16.40% 17.15% 19.94% 0.00% 19.69% 19.33% 16.77% 0.00% 15.06% 14.53% 14.05%
Net Operating Profit after Tax (NOPAT)		 105 105 112 105 111 152 83 87 80 82 58
NOPAT Margin		 34.07% 34.00% 35.03% 36.05% 37.56% 43.03% 33.64% 36.94% 34.53% 35.73% 28.12%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 36.44% 35.29% 34.88% 35.21% 33.99% 25.80% 35.05% 34.99% 36.55% 34.58% 34.40%
Operating Expenses to Revenue		 47.36% 47.20% 45.99% 48.31% 45.20% 34.54% 49.05% 47.56% 48.02% 47.33% 55.90%
Earnings before Interest and Taxes (EBIT)		 148 150 159 144 156 217 118 117 115 117 83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 131 136 129 132 137 215 121 122 119 123 90
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.41 1.58 1.49 1.42 1.40 1.52 1.15 1.22 1.20 1.28 1.21
Price to Tangible Book Value (P/TBV)		 1.49 1.67 1.58 1.52 1.50 1.63 1.24 1.32 1.31 1.41 1.33
Price to Revenue (P/Rev)		 3.00 3.28 2.84 2.75 2.72 2.96 2.41 2.58 2.58 2.84 2.72
Price to Earnings (P/E)		 8.63 9.22 7.46 7.23 7.11 7.85 6.85 7.59 7.98 8.83 8.59
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 11.59% 10.85% 13.41% 13.82% 14.07% 12.74% 14.59% 13.18% 12.54% 11.32% 11.64%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.64 0.49 0.60 0.53 0.77 0.29 0.34 0.24 0.48 0.54
Enterprise Value to Revenue (EV/Rev)		 1.86 1.79 1.26 1.57 1.47 2.20 0.91 1.11 0.76 1.68 2.12
Enterprise Value to EBITDA (EV/EBITDA)		 4.34 4.08 2.59 3.08 2.79 4.06 1.76 2.22 1.57 3.46 4.41
Enterprise Value to EBIT (EV/EBIT)		 3.80 3.57 2.35 2.93 2.72 4.13 1.83 2.33 1.65 3.67 4.74
Enterprise Value to NOPAT (EV/NOPAT)		 5.36 5.03 3.31 4.14 3.83 5.84 2.58 3.28 2.36 5.21 6.70
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.66 5.64 4.65 6.09 4.88 13.60 5.33 5.12 2.46 2.90 3.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 27.27 26.96 6.88 5.43 16.91 14.08 2.79 1.92 0.00 0.00 3.97
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.33 0.34 0.34 0.35 0.42 0.46 0.50 0.55 0.51 0.57 0.73
Long-Term Debt to Equity		 0.21 0.22 0.21 0.21 0.25 0.28 0.33 0.32 0.29 0.33 0.44
Financial Leverage		 0.37 0.40 0.41 0.44 0.46 0.51 0.61 0.73 0.51 0.57 0.84
Leverage Ratio		 9.71 9.85 10.13 10.27 10.50 10.44 10.67 10.60 10.73 10.48 10.49
Compound Leverage Factor		 9.71 9.85 10.13 10.27 10.50 10.44 10.67 10.60 10.73 10.48 10.49
Debt to Total Capital		 24.89% 25.51% 25.31% 25.67% 29.69% 31.50% 33.51% 35.54% 33.88% 36.13% 42.28%
Short-Term Debt to Total Capital		 9.07% 9.14% 9.81% 9.77% 12.40% 12.16% 11.50% 14.98% 14.56% 15.04% 16.99%
Long-Term Debt to Total Capital		 15.82% 16.36% 15.50% 15.90% 17.29% 19.34% 22.01% 20.56% 19.32% 21.09% 25.29%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 75.11% 74.49% 74.69% 74.33% 70.31% 68.50% 66.49% 64.46% 66.12% 63.87% 57.72%
Debt to EBITDA		 1.64 1.62 1.33 1.31 1.56 1.66 2.05 2.33 2.27 2.58 3.44
Net Debt to EBITDA		 -2.65 -3.39 -3.25 -2.31 -2.39 -1.40 -2.92 -2.92 -3.74 -2.41 -1.25
Long-Term Debt to EBITDA		 1.04 1.04 0.82 0.81 0.91 1.02 1.35 1.35 1.29 1.51 2.06
Debt to NOPAT		 2.02 2.00 1.70 1.76 2.14 2.38 3.01 3.44 3.40 3.89 5.21
Net Debt to NOPAT		 -3.27 -4.18 -4.15 -3.10 -3.28 -2.01 -4.28 -4.31 -5.61 -3.63 -1.89
Long-Term Debt to NOPAT		 1.28 1.28 1.04 1.09 1.25 1.46 1.97 1.99 1.94 2.27 3.12
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -238 -247 -136 -2.46 -224 -83 57 305 -2,709 -2,717 223
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.51 -1.40 -0.71 -0.01 -1.23 -0.50 0.37 2.14 -25.00 -34.10 5.15
Operating Cash Flow to Interest Expense		 0.47 0.92 0.37 0.23 0.63 0.71 0.22 0.54 -0.53 1.33 1.64
Operating Cash Flow Less CapEx to Interest Expense		 0.47 0.92 0.37 0.23 0.63 0.71 0.22 0.54 -0.53 1.33 1.64
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,467 3,386 3,221 3,082 3,124 3,034 2,972 2,974 2,789 2,799 2,947
Invested Capital Turnover		 0.37 0.38 0.41 0.39 0.38 0.37 0.32 0.29 0.62 0.58 0.25
Increase / (Decrease) in Invested Capital		 343 352 249 107 335 235 26 -218 2,789 2,799 -165
Enterprise Value (EV)		 2,289 2,178 1,589 1,861 1,656 2,344 853 1,006 656 1,352 1,601
Market Capitalization		 3,684 3,988 3,578 3,256 3,075 3,152 2,271 2,331 2,215 2,293 2,053
Book Value per Share		 $45.60 $44.17 $42.28 $40.21 $38.60 $36.00 $32.95 $32.43 $30.73 $29.79 $28.36
Tangible Book Value per Share		 $43.22 $41.76 $39.84 $37.72 $36.06 $33.46 $30.45 $29.86 $28.15 $27.17 $25.69
Total Capital		 3,467 3,386 3,221 3,082 3,124 3,034 2,972 2,974 2,789 2,799 2,947
Total Debt		 863 864 815 791 927 955 996 1,057 945 1,011 1,246
Total Long-Term Debt		 549 554 499 490 540 587 654 612 539 590 745
Net Debt		 -1,395 -1,810 -1,988 -1,395 -1,419 -808 -1,418 -1,325 -1,559 -941 -452
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 863 864 815 791 927 955 996 1,057 945 1,011 1,246
Total Depreciation and Amortization (D&A)		 -18 -14 -30 -13 -19 -2.42 2.78 4.67 4.52 5.78 6.80
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.84 $1.83 $1.97 $1.83 $1.94 $2.65 $1.40 $1.48 $1.33 $1.36 $0.98
Adjusted Weighted Average Basic Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M
Adjusted Diluted Earnings per Share		 $1.81 $1.80 $1.93 $1.75 $1.91 $2.62 $1.38 $1.43 $1.32 $1.35 $0.97
Adjusted Weighted Average Diluted Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 56.37M 57.10M 57.09M 56.89M 56.97M 56.90M 57.73M 59.98M 59.11M 60.00M 60.00M
Normalized Net Operating Profit after Tax (NOPAT)		 105 105 112 105 111 152 83 87 80 82 58
Normalized NOPAT Margin		 34.07% 34.00% 35.03% 36.05% 37.56% 43.03% 33.64% 36.94% 34.53% 35.73% 28.12%
Pre Tax Income Margin		 47.95% 48.82% 49.65% 49.63% 52.77% 61.63% 48.10% 49.48% 49.60% 51.35% 39.89%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.94 0.85 0.83 0.75 0.85 1.31 0.77 0.82 1.06 1.47 1.91
NOPAT to Interest Expense		 0.67 0.59 0.58 0.54 0.61 0.91 0.54 0.61 0.74 1.02 1.35
EBIT Less CapEx to Interest Expense		 0.94 0.85 0.83 0.75 0.85 1.31 0.77 0.82 1.06 1.47 1.91
NOPAT Less CapEx to Interest Expense		 0.67 0.59 0.58 0.54 0.61 0.91 0.54 0.61 0.74 1.02 1.35
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 9.13% 3.17% 16.22% 21.40% 23.25% 32.75% 20.35% 15.94% 11.38% 0.00% 0.00%

Frequently Asked Questions About Axos Financial's Financials

When does Axos Financial's fiscal year end?

According to the most recent income statement we have on file, Axos Financial's financial year ends in June. Their financial year 2024 ended on June 30, 2024.

How has Axos Financial's net income changed over the last 9 years?

Axos Financial's net income appears to be on an upward trend, with a most recent value of $450.01 million in 2024, rising from $82.68 million in 2015. The previous period was $307.17 million in 2023. Find out what analysts predict for Axos Financial in the coming months.

How has Axos Financial revenue changed over the last 9 years?

Over the last 9 years, Axos Financial's total revenue changed from $229.54 million in 2015 to $1.18 billion in 2024, a change of 415.9%.

How much debt does Axos Financial have?

Axos Financial's total liabilities were at $20.56 billion at the end of 2024, a 11.6% increase from 2023, and a 288.7% increase since 2015.

How much cash does Axos Financial have?

In the past 9 years, Axos Financial's cash and equivalents has ranged from $222.77 million in 2015 to $2.23 billion in 2023, and is currently $1.98 billion as of their latest financial filing in 2024.

How has Axos Financial's book value per share changed over the last 9 years?

Over the last 9 years, Axos Financial's book value per share changed from 34.42 in 2015 to 40.21 in 2024, a change of 16.8%.


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This page (NYSE:AX) was last updated on 5/31/2025 by MarketBeat.com Staff
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